Miscellaneous Health Care Facilities

Medical Spas

The Medical Professional Division offers a program for Medical Spas. We recognize the coverage needs of specialty spas with a wellness focus, as well as aesthetic and cosmetic spas. Coverage is written on a non-admitted basis through designated wholesale surplus lines brokers.


Coverage Offered

  • Professional Liability on a claims-made basis:
    Non-physician employees are "insureds" under the policy
    Coverage is automatic for Medical Directors’ administrative duties. Optional coverage for Medical Director’s clinic duties is available
    Coverage is available for physicians engaged in clinical patient care services
    Standard form has "Incident sensitive" claim trigger
  • Prior acts and extended reporting periods available
  • Multiple locations/named insureds can be added to one policy as the business grows
  • General Liability may be included on an occurrence or claims-made basis
  • Coverage is available for incidental products liability
  • Management Service Organizations and other entities can be covered as “Additional Insureds”
  • Options available for defense costs within our outside of indemnity limits
  • Management Service Organizations and other entities can be added as "additional Insureds"
  • First dollar or deductibles offered
  • General Liability may be included on an occurence or claims-made basis
  • Standalone first layer excess coverage is also available when written over a carrier with an A.M. Best rating of "A-" or higher


Eligible Exposures

  • Aesthetic/Cosmetic
  • Alternative/Complementary Medicine
  • Nutritional Counseling
  • Preventative Medicine
  • Stress Management
  • Weight Management


Ineligible Exposures

  • Spas without a physical Medical Director
  • Non FDA-approved treatments